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Aisha Rahman

Does unemployment pay child support - Washington ESD taking money from benefits?

Just got approved for unemployment after being laid off from my warehouse job last month. My ex has been after me about child support payments and I'm wondering if Washington ESD will automatically take money out of my weekly benefits to pay child support? I owe about $2,800 in back support and I'm worried they're going to garnish my UI payments before I even see them. Has anyone dealt with this? Really need to know what to expect because I've got rent due next week.

Yes, Washington ESD will automatically deduct child support from your unemployment benefits if there's an active garnishment order. The Division of Child Support (DCS) works directly with ESD to withhold payments. You should have received notice about this when your claim was processed.

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I haven't gotten any notice yet, just the determination letter saying I was approved. How much can they take?

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They can take up to 50% of your weekly benefit amount for current support plus arrears. If you're getting $400/week, they could take up to $200.

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this happened to me too last year when i was on unemployment. they took like half my check every week for child support i didnt even know about. you need to call washington esd and find out whats going on

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Did you try calling? I've been trying to get through to someone at Washington ESD for days but keep getting busy signals or hung up on.

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I actually found a service called Claimyr that helped me get through to Washington ESD when I couldn't reach them about my garnishment issue. Check out claimyr.com - they have a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Really saved me time and frustration.

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The child support garnishment is handled through the state's automated system. Once DCS has your Social Security number and knows you're receiving unemployment, they'll set up the withholding. You should contact DCS directly at 1-800-457-6202 to discuss payment arrangements or modifications if you're having financial hardship.

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Can I get the garnishment reduced if I can show I can't afford my basic living expenses?

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Yes, you can request a hardship review with DCS. You'll need to provide documentation of your monthly expenses and income. They may reduce the withholding amount temporarily while you're unemployed.

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I went through this exact situation 6 months ago. Washington ESD will show the child support deduction on your payment summary each week. The money goes directly to the Washington State Support Registry and then gets distributed according to your case. You won't see that money in your deposit.

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So I'll still get something each week, just not the full amount?

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Right, you'll get whatever's left after they take out the child support portion. Make sure to budget accordingly because it's a significant chunk.

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this is so unfair they take money when you already barely getting enough to live on!! how are we supposed to survive while looking for work if they taking half our benefits

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I understand the frustration, but child support obligations don't stop just because someone becomes unemployed. The system is designed to ensure children continue receiving support.

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i get that but what about the person trying to get back on their feet? cant pay support if youre homeless

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You should check your SecureAccess Washington account to see if there are any pending issues or notices about garnishments. Sometimes the information shows up there before you get mailed notices.

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Good idea, I'll check my SAW account tonight. Haven't looked at it since I filed my first weekly claim.

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Mei Liu

been dealing with this for months now. they take $180 out of my $360 weekly benefit. had to move back in with my mom because i couldnt afford rent anymore. its rough but at least my kids are getting their support

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Wow that's exactly what I'm afraid of. Did you try to get it reduced at all?

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Mei Liu

yeah i called dcs and they reduced it by $50/week temporarily while im unemployed. every little bit helps

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If you need to speak with someone at Washington ESD about how the garnishment affects your claim, I'd definitely recommend trying Claimyr. When I had questions about my child support withholding, I couldn't get through their regular phone lines for weeks. Claimyr got me connected to an actual ESD agent within an hour.

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Is that service free? I'm already struggling financially.

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It's not free but considering how much time and frustration it saves trying to reach ESD on your own, it was worth it for me. Check out their demo video to see if it might work for your situation.

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also make sure you keep filing your weekly claims even if they taking child support out. some people think theres no point but you still need to certify to keep getting whatever amount is left

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Yeah I've been filing every Sunday. Just wondering what my actual take-home is going to be.

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One important thing to note - if you have multiple child support cases or owe support to different custodial parents, Washington ESD will coordinate with DCS to handle all the withholdings. The total can't exceed the federal maximum, but it could still be substantial.

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Thankfully it's just one case, but the arrears amount keeps growing with interest.

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Contact DCS about possibly reducing or suspending interest while you're unemployed. Some counties have hardship provisions for interest accrual.

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Check if your ex filed for public assistance too. If she's getting TANF or food stamps, the state might be taking extra to reimburse those programs. That happened to my buddy and he was shocked how much they were taking.

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How would I find that out? Would it show on my payment stub?

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DCS can tell you how the payments are being distributed. Some goes to current support, some to arrears, and some might go to state assistance reimbursement.

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Remember that the child support withholding from your unemployment benefits will show up on your year-end tax documents. The amount withheld is still considered income to you for tax purposes, even though you didn't receive it directly.

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So I still have to pay taxes on money I never got? That seems wrong.

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Correct, the full unemployment benefit amount is taxable income. But you may be able to claim the child support payments as a deduction depending on your situation.

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Make sure you understand the difference between current support and arrears payments. Current support is what you owe each month going forward. Arrears is the back support you mentioned owing. They'll usually take a portion for each.

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The $2,800 I mentioned is all back support. I don't think I have current monthly payments since I lost my job.

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You probably still have current support obligations even while unemployed. Contact DCS to see if you can get a modification based on your reduced income.

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i hate dealing with all this bureaucracy when youre already stressed about money. tried calling washington esd so many times about my garnishment questions and kept getting disconnected. finally used that claimyr thing someone mentioned earlier and actually got answers

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Did they help you understand how much was being taken out? I'm still confused about all the different deductions.

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yeah the esd agent explained exactly how they calculate the garnishment amount and when it gets taken out. made everything much clearer

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whole system is messed up. they want you to find work but then take half your benefits so you cant even afford gas to go to interviews

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I understand the frustration, but remember that WorkSource offices often have resources to help with job search expenses, including transportation assistance.

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Quick question - does the child support garnishment affect your eligibility for extended benefits or federal programs? I'm worried about losing other assistance.

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The garnishment itself doesn't affect your UI eligibility, but the reduced net income might help you qualify for other assistance programs like SNAP or utility help.

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That's good to know. Every little bit helps when you're trying to get back on your feet.

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Thanks everyone for all the information. Sounds like I need to call both Washington ESD and DCS to get the full picture. Might try that Claimyr service if I can't get through on my own. Really appreciate all the help - this is a stressful situation and you've all made it clearer.

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You're welcome! Hope you get everything sorted out quickly. The uncertainty is often worse than knowing what to expect.

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Keep us posted on how it works out. Your experience might help someone else in the same situation.

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One last tip - keep records of all your child support payments, including what gets withheld from unemployment. You'll need documentation if there are ever disputes about payment history or if you need to modify the order later.

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Good advice. I'll start keeping better records of everything related to this case.

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hope it all works out for you. dealing with child support and unemployment at the same time is really tough but youll get through it

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Thanks for the encouragement. Taking it one day at a time.

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Final reminder - if your employment situation changes or you find new work, make sure to update both Washington ESD and DCS immediately. The garnishment arrangements may need to be adjusted based on your new income level.

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Will do. Hopefully I'll find something soon and can get back to making regular payments without all this complexity.

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Just wanted to add that if you're having trouble making ends meet with the reduced benefits after child support garnishment, you might want to look into local food banks and community assistance programs. Many areas have resources specifically for people dealing with unemployment and family support obligations. Also, some utility companies have hardship programs that can help keep your lights on while you're getting back on your feet. Don't be afraid to ask for help - that's what these programs are there for.

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That's really helpful advice, thank you. I hadn't thought about looking into food banks or utility assistance programs. Do you know if there are any specific programs in Washington state that help people in unemployment situations? I'm definitely going to need all the help I can get if they're taking a big chunk of my benefits for child support.

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